Ready to Purchase Your First Home?

​

Neighborhood Housing Services of San Antonio helps make homeownership more achievable by offering up to $12,000 in down payment and closing cost assistance to eligible first-time homebuyers in Bexar County and surrounding areas.

​

This assistance is provided as a deferred second lien, designed to support you with upfront costs while remaining manageable over time. Once you are pre-approved for your primary home loan, we collaborate directly with your lender to determine the appropriate level of assistance for your down payment and/or closing costs.

​

We understand that saving for a home can be one of the biggest barriers to homeownership. Our goal is to help bridge that gap so you can achieve your dream of owning a home—sooner than you thought possible.

 

 

Program Eligibility Requirements

​

To qualify, applicants must meet all program guidelines, including:

​

• Must be a first-time homebuyer

• Obtain a first-lien mortgage through a participating lender

• Be a U.S. citizen or permanent resident

• Purchase a home in Bexar County or surrounding counties

• Minimum credit score of 580

• Meet program income eligibility guidelines (view 2026 income guidelines)

• Complete a HUD-approved homebuyer education course

​​